CCA checks

[Roger]

Roger, ‘what you talkin about’

My comment was in response to NM and their observations about Wescot who used to send letters with big scary red headings - deliberately to intimidate us. I had a draw full.

Silence and a GOOD Diary is golden

[Pat]

18 Sep 2019 - CCA sent to Niddy - Confirmed Unenforceable!!

Roger, ‘what you talkin about’

My comment was in response to NM and their observations about Wescot who used to send letters with big scary red headings - deliberately to intimidate us. I had a draw full.

[Roger]

So did they all have big red headings to try and scare you?

18 Sep 2019 - CCA sent to Niddy - Confirmed Unenforceable!!

[Pat]

So did they all have big red headings to try and scare you?

[Night Monkey]

And for anyone that wants to play 'Wescot Bingo', here's a summary of my letters received:

• Wescot are a specialist debt collection agency
• Wescot is a specialist debt collection agency
• Call Wescot Credit Services (payslip format)
• Our enquiries have indicated that you are a resident at the address above
• 40% reduction offer
• An opportunity to take control of this outstanding balance in a way that suits you

Six letters over six weeks, providing much less content than Lowell :-)

[Still Waving]

[QUOTE=Helpme34;n1548627]

• HELPME34's UE Diary

Santander Credit Card

• Feb 2008
• £2618
• Last full payment: Jun 2012
• DMP
• Defaulted Dec 2012 - dropped off credit file
• Wescot Credit Services

[COLOR=#B22222]5 July 2019- letter from Wescot asking me to contact them as Payplan are no longer acting on my behalf.
11 July 2019- letter asking to get in touch
24 July - letter asking to get in touch
August - letter sent requesting CCA agreement.
08 Aug 2019- letter stating account on hold until request investigated.
27 Aug 2019- copy of account opening agreement received.
05 Sep 2019 - transaction summary received.

18 Sep 2019 - CCA sent to Niddy - Confirmed Unenforceable!!

29 Jun 2020 - letter from Santander advising the account will now be managed by their agent Wescot.
2 July 2020 - letter from Wescot stating they have been instructed by Santander to manage the account and asking to get in touch .
25 Jul 2020 - Letter stating enquiries have indicated that we are resident at this address but have not yet agreed a solution to manage the debt.
4 Aug 2020 - letter offering a reduced settlement offer and asking to get in touch.

31 Dec - Letter from Santander advising account will now be managed by agent Drydens Fairfax Solicitors.
4 Jan 2021 - Letter from Drydens Sols asking to get in touch by 18th Dec to arrange payment.
26 January 2021 - Letter from Drydens Sols stating to avoid further recovery action, I should contact their office by 9th February.
8 Oct 2023 - Notice of debt collection letter received today from Wescot stating they have been instructed by Santander to make contact and arrange repayment.

Hey all! Hope you're all doing well.
So im a little confused as the last communication re the above debt was from Drydens Sols. Not understanding what is going on here...

Nothing between Jan '21 and now?

As long as it is with Westcot you have nothing to worry about. You can safely file their letters.

[Helpme34]

[QUOTE=Helpme34;n1525374]

• HELPME34's UE Diary

Santander Credit Card

• Feb 2008
• £2618
• Last full payment: Jun 2012
• DMP
• Defaulted Dec 2012 - dropped off credit file
• Wescot Credit Services

[COLOR=#B22222]5 July 2019- letter from Wescot asking me to contact them as Payplan are no longer acting on my behalf.
11 July 2019- letter asking to get in touch
24 July - letter asking to get in touch
August - letter sent requesting CCA agreement.
08 Aug 2019- letter stating account on hold until request investigated.
27 Aug 2019- copy of account opening agreement received.
05 Sep 2019 - transaction summary received.

18 Sep 2019 - CCA sent to Niddy - Confirmed Unenforceable!!

29 Jun 2020 - letter from Santander advising the account will now be managed by their agent Wescot.
2 July 2020 - letter from Wescot stating they have been instructed by Santander to manage the account and asking to get in touch .
25 Jul 2020 - Letter stating enquiries have indicated that we are resident at this address but have not yet agreed a solution to manage the debt.
4 Aug 2020 - letter offering a reduced settlement offer and asking to get in touch.

31 Dec - Letter from Santander advising account will now be managed by agent Drydens Fairfax Solicitors.
4 Jan 2021 - Letter from Drydens Sols asking to get in touch by 18th Dec to arrange payment.
26 January 2021 - Letter from Drydens Sols stating to avoid further recovery action, I should contact their office by 9th February.
8 Oct 2023 - Notice of debt collection letter received today from Wescot stating they have been instructed by Santander to make contact and arrange repayment.

Hey all! Hope you're all doing well.
So im a little confused as the last communication re the above debt was from Drydens Sols. Not understanding what is going on here...

[stuckinarut]

Super stuff ?????

[nightwatch]

[Helpme34]

Morning all

Just wanted to let you guys know that this case has been discontinued by Link.
Thank you as always for your help.

Another one bites the dust!

[PlanB]

Thank you for your quick relpy Di.
So just to confirm, I have had no interaction with Link in relation to this particular debt.
Can I also ask in addition to requesting the SAR and CCA request, do I also complete the form and return it back to Kearns?

Send a CCA Request to Link asap with proof of posting and/or Royal Mail Recorded Delivery.

Reply to Kearns Solicitors' Letter of Claim by ticking Box D to dispute the debt and attach a copy of your CCA Request to Link.

This is urgent since you say the Letter of Claim is dated 6th April even though you've only just received it. The postal system is in disarray due to Covid-19 so don't risk missing any deadlines or they may issue legal proceedings.

(PS thank you for your card at Christmas )

Di

[Warwick65]

And thank you Warwick65 for your quick response too!

I was quite miffed plan b was up so early . I will leave the wisdom up to Di

[Helpme34]

PlanB

Remember at this stage you have 30 days to reply.

Did you ever send a CCA request ?

When was the last payment of any type made?

I am sure Di will be along but when you do get around to answering the letter of claim I would be ticking box D ' I dispute the claim' and probably ask for the agreement, the default notice, the termination notice, the notice of assignment and the deed of assignment. I would also be sending a CCA request to Link with a copy to Kearns

Let's wait to see what Di suggests

Edit- she beat me to it

And thank you Warwick65 for your quick response too!

[Helpme34]

Here I am

I’ve taken a quick look back at your thread and can see that you have previously sent a CCA Request to Westcot the DCA for Halifax at the time. It appears they returned it to you without forwarding it to Halifax so it may be tricky to argue they (Halifax) didn’t comply.

Let me check out everything else you’ve posted but it looks as if it would be a good idea to send a CCA Request to Link who are the current owner since they were assigned the debt in 2019, and then make Kearns aware.

Have you had any interaction with Link since they purchased the debt?

I would also send a SAR to Halifax now.

Di

Thank you for your quick relpy Di.
So just to confirm, I have had no interaction with Link in relation to this particular debt.
Can I also ask in addition to requesting the SAR and CCA request, do I also complete the form and return it back to Kearns?

[Warwick65]

PlanB

Remember at this stage you have 30 days to reply.

Did you ever send a CCA request ?

When was the last payment of any type made?

I am sure Di will be along but when you do get around to answering the letter of claim I would be ticking box D ' I dispute the claim' and probably ask for the agreement, the default notice, the termination notice, the notice of assignment and the deed of assignment. I would also be sending a CCA request to Link with a copy to Kearns

Let's wait to see what Di suggests

Edit- she beat me to it